Tika Primandari manages her finances at the end of every month. When payday approaches, this private-sector employee goes over her list of expenses and savings.

This 29-year-old woman leaves a small portion of the salary received in her payroll account for her daily needs. She transfers the rest to a Jenius banking account which she opened two years ago. "I redistribute this money to the Jenius account," said Tika at the end of May.

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